The expert emphasized that, within the framework of bankruptcy, debts that are not listed when submitting an application to the MFC cannot be written off, as well as alimony, obligations for subsidiary liability, compensation for moral damage, damage to life, health, property, payments within the framework of working relationships, discovered fraud in transactions, evasion of payments, provision of knowingly false information, court decision to impose criminal or administrative punishment on the debtor for falsification in a bankruptcy case.